Privacy Notice – Tamweel Aloula | تمويل الاولى

Privacy Notice:

Tamweel Aloula (hereafter referred to as “we” or “our” or “us” or “organization” respects your right to data privacy. In this Notice “You” or “Your” refers to the data subject whose personal data is processed by Tamweel Aloula.

This Privacy Notice (“Notice”) provides information about how Tamweel Aloula handles personal information about you and describes the rights you may have regarding your personal information. This Notice applies to Tamweel Aloula and its online and offline collection, use, and disclosure of personal information.

Tamweel Aloula has an obligation to preserve the confidentiality and privacy of the user’s data and information.

Tamweel Aloula shall not collect, process or disclose any personal data or information except in accordance with the specific controls provided in the instructions governing the confidentiality of information issued by the regulatory authorities in the Kingdom like PDPL and NDMO, including all amendments applicable to them from time to time.

Personal Data Collection, Processing & Disclosure

When does Tamweel Aloula Collect Personal Information About You

This information is collected when you utilize our services through online and offline channels including the conditions when your personal information is shared by members within Tamweel Aloula.

What Types of Personal Information does Tamweel Aloula Collect and Retain

When you interact with us, we may collect information to help identify and contact you, including, but not limited to, your name, email address, physical address, telephone number (landline and/or mobile), and ID Number

If you create an account, we may collect your username, password, date of birth, and National Identification information to provide you with our services

We also may collect information about the device you use to access our online services. This includes device ID, advertising ID, and browser details while using our online services

We may collect your IP address and information related to that IP address, such as geographical information and domain information

We may collect different types of personal information about you from various sources. Given below are the further categories of personal information we may have collected through different sources

We may collect your financial information including financial statements, bank account details, credit history, loan history/details and salary information

Personal Information We Collect and From Whom We Collect It

What We may collect:

o Identity information (Name including first, last, and/or maiden name, Date of birth, National ID Number, Marital Status)
o Demographic Information (age, gender, and nationality)
o Contact information (National address, email address (es), telephone number(s)).
o Company information (Name, Address, location, type of assets sold, CR Number, Phone numbers, Emails, Websites, Financial Statements, Income, and market value of the land).
o Information collected via cookies.
o Professional Employment details (Employment Dates, Employer Name, Employer Information)
o Financial details (Bank account details, financial statements, income, credit history, loan or credit application data, Salary information)
o Audio and electronic recording, for example, when you call in with a question to customer service.
o Video recording for service delivery purposes.

From Whom We Collect It:

o Information you provide.
o Your information from member organizations (Banks, Lending organizations, Insurance providers, Telecommunication companies), and from Private companies with national ownerships such as ELM and SIMAH.

Purpose for Collecting & Processing Personal Information.

We collect your personal information for different purposes as mentioned below:

o For customer onboarding purposes / customer registration purposes.
o To verify your identity.
o For processing loan or insurance application
o To prevent fraud and unauthorized disclosures of your personal information.
o To record and demonstrate how we have conducted the dispute and complaint resolution process and arrived at a resolution.
o To comply with business, legal, and regulatory requirements incumbent upon Tamweel Aloula.
o For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable laws incumbent upon Tamweel Aloula.
o For fulfillment of your requests, transactional and other communications about our websites and online services.
o Your personal data except sensitive data may be used for marketing purposes.
o Your personal data may be used for Automated decision-making.

How Long Does Tamweel Aloula Keep Personal Information?

We will keep your information in accordance to the PDPL regulations or as long as we need it for business, legal, and also for regulatory purposes as instructed by regulatory authority i.e. SAMA.
We will actively review the information we hold and delete it securely when there is no longer a legal, business, or regulatory need for it to be retained.

With whom does Tamweel Aloula share Your Personal Information?

Tamweel Aloula shares your personal information with different member organizations including identity verification authorities, financial investigation companies, banks, credit history service providers, trusted cloud service providers, and KSA regulatory authorities to whom you consent to disclose your personal data. Prior to sharing personal data with these member organizations, we review the services performed by such member organizations and require that the member organizations keep personal data confidential and secure and not use it for any purpose except performing the services.

Disclosure for Legal reasons: We may share personal data with third parties to comply with valid legal requirements such as Saudi law, regulations, search warrants, subpoenas, court orders, or other legal processes.

Minor’s Privacy

We are concerned about protecting the privacy of Minors. The Website is not directed to individuals that are under the age, and we do not knowingly collect Personal Information from such individuals.

Will We Inform You of Changes to This Privacy Notice?

If we change this Privacy Notice, we will let you know about the changes by publishing the updated version at all applicable communication channels. Tamweel Aloula is committed to protecting and respecting your privacy.

Rights Available to Owners of Personal Data

Under Saudi Arabia’s Personal Data Protection Law, the owners of personal data are entitled to the below rights. However, the rights to the data subject shall be disbursed in accordance with the regulatory and legal obligations incumbent upon Tamweel Aloula.

o Right to request information on the processing activities carried out with their personal data.
o Right to request provision of personal data.
o Right to request access to their personal data.
o Right to request correction, updating, or completion of their personal data.
o Right to request erasure of personal data in specific cases.
o Right to withdraw consent in specific cases.

For any queries and complaints, you can send an email to “DPO@tamweel-aloula.com” or use the complaint logging feature available on our website.

Methods For Accessing, Correcting, Or Modifying Personal Information

If you believe any information on your personal credit report is inaccurate or incomplete, you can raise a dispute case and tell us specifically why you think it’s inaccurate or incomplete.
You can contact us for your query at “DPO@tamweel-aloula.com” or use the complaint logging feature available on our website.